PLEASE READ THE TERMS CAREFULLY. It is a legal document that explains your rights and obligations. Section 13 includes an agreement that you and RBI will resolve any disputes between us in binding, individual arbitration, and not in court. This means you and RBI are giving up the right to go to court, to have a dispute decided by a jury, to participate in class action lawsuits against each other. Arbitration often is a faster way to resolve disputes fairly than litigating in court.